Home > The Farmers and Savings Bank, Loudonville, Ohio > Income and Expense
The Farmers and Savings Bank, Loudonville, Ohio, Income and Expense
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,618,000 | 6,275 |
| Total interest expense | $2,082,000 | 6,263 |
| Net interest income | $2,536,000 | 6,134 |
| Provision for loan and lease losses | $84,000 | 5,516 |
| Total noninterest income | $180,000 | 8,532 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 6,956 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 8,719 |
| Total noninterest expense | $1,569,000 | 6,918 |
| Salaries and employee benefits | $945,000 | 6,239 |
| Premises and equipment expense | $168,000 | 7,663 |
| Additional noninterest expense | $456,000 | 7,412 |
| Pre-tax net operating income | $1,063,000 | 5,529 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $236,000 | 6,628 |
| Income before extraordinary items | $827,000 | 5,184 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $827,000 | 5,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,315 |
| Cash dividends | $414,000 | 3,806 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $827,000 | 5,120 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,284,000 | 6,709 |
| Total interest expense | $1,884,000 | 6,710 |
| Net interest income | $2,400,000 | 6,476 |
| Provision for loan and lease losses | $99,000 | 4,670 |
| Total noninterest income | $179,000 | 8,798 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 7,717 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 8,106 |
| Total noninterest expense | $1,544,000 | 7,133 |
| Salaries and employee benefits | $877,000 | 6,671 |
| Premises and equipment expense | $164,000 | 7,947 |
| Additional noninterest expense | $503,000 | 7,232 |
| Pre-tax net operating income | $936,000 | 6,259 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $241,000 | 6,773 |
| Income before extraordinary items | $695,000 | 6,024 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $695,000 | 6,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 4,028 |
| Cash dividends | $351,000 | 4,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $695,000 | 6,006 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,779,000 | 6,964 |
| Total interest expense | $1,435,000 | 7,091 |
| Net interest income | $2,344,000 | 6,769 |
| Provision for loan and lease losses | $82,000 | 4,991 |
| Total noninterest income | $201,000 | 8,719 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $112,000 | 7,785 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $89,000 | 7,880 |
| Total noninterest expense | $1,564,000 | 7,395 |
| Salaries and employee benefits | $839,000 | 6,982 |
| Premises and equipment expense | $170,000 | 8,080 |
| Additional noninterest expense | $555,000 | 7,388 |
| Pre-tax net operating income | $899,000 | 6,408 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $231,000 | 6,821 |
| Income before extraordinary items | $668,000 | 6,110 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $668,000 | 6,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,150 |
| Cash dividends | $1,333,000 | 1,539 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $668,000 | 6,177 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,687,000 | 7,280 |
| Total interest expense | $1,491,000 | 7,230 |
| Net interest income | $2,196,000 | 7,198 |
| Provision for loan and lease losses | $104,000 | 5,665 |
| Total noninterest income | $186,000 | 9,481 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $107,000 | 8,183 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 8,670 |
| Total noninterest expense | $1,496,000 | 7,849 |
| Salaries and employee benefits | $804,000 | 7,299 |
| Premises and equipment expense | $157,000 | 8,726 |
| Additional noninterest expense | $535,000 | 7,911 |
| Pre-tax net operating income | $782,000 | 6,910 |
| Securities gains (losses) | $7,000 | 5,826 |
| Applicable income taxes | $194,000 | 7,729 |
| Income before extraordinary items | $595,000 | 6,824 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $595,000 | 6,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 12,190 |
| Cash dividends | $298,000 | 4,490 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $589,750 | 6,615 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,890,000 | 7,652 |
| Total interest expense | $1,844,000 | 7,502 |
| Net interest income | $2,046,000 | 7,633 |
| Provision for loan and lease losses | $139,000 | 6,334 |
| Total noninterest income | $181,000 | 9,800 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $104,000 | 8,390 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 8,979 |
| Total noninterest expense | $1,412,000 | 8,236 |
| Salaries and employee benefits | $721,000 | 7,827 |
| Premises and equipment expense | $169,000 | 8,579 |
| Additional noninterest expense | $522,000 | 8,262 |
| Pre-tax net operating income | $676,000 | 7,236 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $161,000 | 8,355 |
| Income before extraordinary items | $516,000 | 7,189 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $516,000 | 7,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 6,412 |
| Cash dividends | $257,000 | 4,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $515,240 | 6,825 |
* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.